During periods of extreme market volatility, investors often make irrational decisions that can undermine their long-term objective of accumulating wealth and minimizing risk. Since the crash of 2008, financial markets have experienced several periods of market volatility. As a result, investors have become increasingly sensitive to the volatility of the equity market even as we hit record high levels. When investors allow their emotions to guide their investment decisions, short-term market volatility can lead them to abandon their long-term goals in an effort to chase performance returns by engaging in market timing.

This information is for information purposes only. This information represents the current opinion of the firm. Information herein which has been obtained from third parties are based on sources believed to be reliable. Wilshire Funds Management does not represent that such information it is accurate. Statistical data contained herein are as of the dates noted and such information should not be relied on or be the basis for an investment decision. Past performance is no guarantee of future results. Investing involves risk including loss of principal.